How to do Intelligent Investment

We often come across various financial advisors like insurance agents, stock brokers or Mutual Fund advisors, every advisor tries to gives you the complete solution using products from their own domain. It is important to understand that every product serves a specific purpose and investment objective in your portfolio.

Insurance is meant for protection planning. Mutual Funds, Fixed Deposits are meant for wealth creation. Gold held in physical form is meant for very long term investment needs to beat inflation and protect value erosion.

Combination of these products will give you a holistic solution which is best for you. If you do not use the appropriate product e.g. try to protect yourself by using mutual funds or try to preserve capital by using equity investments, either you will end up jeopardising the investment objective or paying higher cost.

Suitability of investment products shall be evaluated on the basis of Risk, Return, Liquidity and Tax Efficiency. It is important to seek help from financial advisors who are dealing in all products and are coming from a trusted brand to check product suitability for you and help you make the right investment decisions.

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